CITIZENS FINANCIAL SERVICES, INC. (CZFS)

80.98 -0.21% (-0.17)

Over 5Y: +57.8%

2026-08-28
40 60 80
2022 2023 2024 2025 2026

Financials Quarterly

Q3 '21 — Revenue: 1.9M Q3 '21 — Operating Cash Flow: 10.7M Q3 '21 — Free Cash Flow: 10.5M Q3 '21 — Net Income: 7.1M Q4 '21 — Revenue: 2M Q4 '21 — Operating Cash Flow: 6.3M Q4 '21 — Free Cash Flow: 6.3M Q4 '21 — Net Income: 6.9M Q1 '22 — Revenue: 2.1M Q1 '22 — Operating Cash Flow: 12M Q1 '22 — Free Cash Flow: 12M Q1 '22 — Net Income: 6.7M Q2 '22 — Revenue: 2.1M Q2 '22 — Operating Cash Flow: 3M Q2 '22 — Free Cash Flow: 2.2M Q2 '22 — Net Income: 6.9M Q3 '22 — Revenue: 2.3M Q3 '22 — Operating Cash Flow: 9.3M Q3 '22 — Free Cash Flow: 9M Q3 '22 — Net Income: 7.5M Q4 '22 — Revenue: 2.1M Q4 '22 — Operating Cash Flow: 8.9M Q4 '22 — Free Cash Flow: 8.4M Q4 '22 — Net Income: 7.9M Q1 '23 — Revenue: 2.1M Q1 '23 — Operating Cash Flow: 10.4M Q1 '23 — Free Cash Flow: 10.2M Q1 '23 — Net Income: 6.9M Q2 '23 — Revenue: 2M Q2 '23 — Operating Cash Flow: -7.5M Q2 '23 — Free Cash Flow: -9.2M Q2 '23 — Net Income: -4.1M Q3 '23 — Revenue: 2.6M Q3 '23 — Operating Cash Flow: 7.4M Q3 '23 — Free Cash Flow: 7M Q3 '23 — Net Income: 7.5M Q4 '23 — Revenue: 2.3M Q4 '23 — Operating Cash Flow: 16.2M Q4 '23 — Free Cash Flow: 15.9M Q4 '23 — Net Income: 7.5M Q1 '24 — Revenue: 2.4M Q1 '24 — Operating Cash Flow: 13.5M Q1 '24 — Free Cash Flow: 13.4M Q1 '24 — Net Income: 7M Q2 '24 — Revenue: 2.4M Q2 '24 — Operating Cash Flow: 3M Q2 '24 — Free Cash Flow: 2.9M Q2 '24 — Net Income: 5.3M Q3 '24 — Revenue: 2.5M Q3 '24 — Operating Cash Flow: 6.2M Q3 '24 — Free Cash Flow: 5.6M Q3 '24 — Net Income: 7.5M Q4 '24 — Revenue: 2.3M Q4 '24 — Operating Cash Flow: 10.5M Q4 '24 — Free Cash Flow: 10M Q4 '24 — Net Income: 8M Q1 '25 — Revenue: 2.4M Q1 '25 — Operating Cash Flow: 10.9M Q1 '25 — Free Cash Flow: 10.4M Q1 '25 — Net Income: 7.6M Q2 '25 — Revenue: 2.4M Q2 '25 — Operating Cash Flow: 6M Q2 '25 — Free Cash Flow: 5.5M Q2 '25 — Net Income: 8.5M Q3 '25 — Revenue: 2.8M Q3 '25 — Operating Cash Flow: 2.9M Q3 '25 — Free Cash Flow: 2.7M Q3 '25 — Net Income: 10M Q4 '25 — Revenue: 2.3M Q4 '25 — Operating Cash Flow: 16.7M Q4 '25 — Free Cash Flow: 16.7M Q4 '25 — Net Income: 10.5M Q1 '26 — Revenue: 2.3M Q1 '26 — Operating Cash Flow: 18M Q1 '26 — Free Cash Flow: 17.9M Q1 '26 — Net Income: 10.4M Q2 '26 — Revenue: 2.4M Q2 '26 — Operating Cash Flow: -89K Q2 '26 — Free Cash Flow: -376K Q2 '26 — Net Income: 10.2M -6M 0 6M 12M 18M 24M
Q4 '21 Q3 '22 Q2 '23 Q1 '24 Q4 '24 Q3 '25 Q2 '26
Revenue Operating Cash Flow Free Cash Flow Net Income

Figures as at 2026-06-30, reported in USD. The newest fact in the filings is dated 2026-06-30, 61 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

8.9
OE margin 368.2%
Accruals 0.11%
FCF margin 374.5%
OCF margin 380.9%
Profit margin 416.6%
ROE 11.6%
ROA 1.3%
Asset turnover 0.0031×
EBITDA margin —
Gross margin —
OCF / EBIT —
Oper. margin —
ROCE —
ROIC —

2 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
FCF yield —
Fwd P/E —
P/B —
P/C —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

4.6
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

9.0
ND/EBITDA —
Debt / Eq 0.0×
Debt payback 0.0 yr
F-score 7.5 pts
Payout 23.5%
Cash / Debt —
Cash runway —
Current ratio —
Interest cover —
Quick ratio —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

1.7
Sales/sh Y/Y +2.5%
Shares change -0.043%
EPS Y/Y +30.0%
Div. growth +2.6%
EPS CAGR 4Y +1.3%
Sales Q/Q +3.2%
EBIT CAGR —
EBIT Y/Y —
EPS next Y —

2 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.